Question

I'm looking at purchasing a vehicle through my credit card company, Capital One. They've already approved me for a loan with a 20% APR. Since my credit score is very low and I'm unable to find a co-signer, I shopped around a bit to find different rates, and Capital One is offering me the lowest APR. Will I be able to get them to lower my APR after some months of paying on time? Or would that fall under something that can only be done if I refinance?

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